Lemonade | Pet Insurance Review

4.8

out of 5

Number of reviews 818

Lemonade is a new kind of pet insurance company that uses artificial intelligence and behavioral economics to replace brokers and bureaucracy with bots and machine learning.  They aim for zero paperwork and instant everything, and are obsessed with social good, delighting customers, and pets.
3

out of 5

POSTED: | BY: Melissa

Difficiculty getting reimbursement

I purchased pet insurance on line from Lemonade. I told them that he is a rescue with no known history because he is from Turkey, and they still approved us for insurance. I also purchased the extra add-ons for wellness. Now Coby had to have an x-ray and was prescribed some medications and they won't give me reimbursement. They are impossible to reach on the phone so I can discuss this with them. I will definitely be switching companies when this year is up. Do mot use Lemonade Pet Insurance.
5

out of 5

POSTED: | BY: Michelle

Super easy claim

Signing up for Pet insurance was a breeze, they contacted the vet for the paperwork. The claims process was super easy took under 10 minutes and the money was back in our account the next day!
5

out of 5

POSTED: | BY: Nolan

So amazingly simple and easy!

Getting the plan was so simple. I submitted a claim in under a few minutes and the team was super great and fast. I got my reimbursement settled within a few days of submission!
5

out of 5

POSTED: | BY: Wesley

Great experience with Lemonade

Love how lemonade makes it easy and quick when following a claim. First experience and highly recommend.
5

out of 5

POSTED: | BY: Thomas

I am impressed

They gave me a good quote, it was good, And making a claim was very easy also and VERY FAST!
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Monthly Cost

Policies start at $10/Month

Coverage

Accident and Illness coverage, with optional wellness package at reimbursement levels of 70%, 80%, or 90% after the deductible.

Payout Limits

Lemonade Pet Insurance benefits cap off between $5,000 and $100,000, depending on how users set up their policy.

Deductible

$100, $250 or $500 annually.

Age Limits

Pets must be at least 8 weeks old to enroll. Lemonade does not terminate coverage for pets as they age.

Waiting Period

All Lemonade pet policies have a series of waiting periods: -2 days for accidents -14 days for illnesses -6 months for cruciate ligament events There is no waiting period for preventative coverage.

Exclusions

Exclusions follow the market standard, so they don’t cover pre-existing conditions; bilateral conditions, dental illness, microchipping; anal gland expression; spaying and neutering; something that happens because of breeding or pregnancy; prescription food; vitamins; and supplements; experimental treatments, or recurring conditions. They will be expanding some of these coverages soon.
Lemonade Pet Insurance detail
Lemonade is a new kind of pet insurance company (they also have renters, homeowners, and term life insurance in the United States, and home policies in Germany, the Netherlands, and France). They use artificial intelligence and behavioral economics to replace brokers and bureaucracy with bots and machine learning, they aim for zero paperwork and instant everything. They’re also a Certified B Corporation TM, and donate unused premiums to nonprofits (including several pet-centric causes) that users select when they sign up. They’re on the CNBC Disruptor list, and ranked at the top among competitors and in the app store. They’re obsessed with social good, delighting customers, and our pets. They’re currently available in these states. Check Lemonade pet insurance out on Instagram: instagram.com/lemonade_pet
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